Kia Auto Loans in Houston, TX

If you are looking to finance your next vehicle, we can help with the process of getting a loan. Buyers with both good and bad credit scores could receive affordable financing terms to help them acquire a vehicle that fits their needs and budget.

Is Financing a Car a Good Idea?

Financing a vehicle could have a variety of benefits for a buyer. For example, making payments in a timely manner could help to build a person's credit score, which can make it easier to get loans in the future. Choosing to finance a vehicle instead of leasing one gives a buyer more flexibility in how it is used.

Those who choose to buy their vehicles aren't bound by mileage restrictions or forced to pay for excess wear on a car or truck. Buyers who own their vehicle may be able to sell or trade it to gain access to any equity it may have. Depending on the price of the vehicle and the buyer's financial situation, it could be possible to structure a loan that is roughly equal in length to a lease.

However, the buyer benefits because he or she gets to keep the car instead of turning it back into the leasing company. While a person could lease a car and then choose to buy it after the lease expires, it may result in months or years of extra payments. This may make a vehicle less affordable in the long run compared to just financing it from the beginning.

Is There a Minimum Credit Score to Finance a Car?

As a general rule, there is no mandatory minimum credit score needed for a lender to approve a car loan application. Lenders could also look at a person's income or assets when determining whether an applicant has the means to make the monthly payments.

Buyers may also increase their chances of getting approved for financing by adding a cosigner to the loan. However, a dealer will work with buyers regardless of their credit in an effort to find both a lender and loan terms that work best for them.


  • Monday 9:00 am - 9:00 pm
  • Tuesday 9:00 am - 9:00 pm
  • Wednesday 9:00 am - 9:00 pm
  • Thursday 9:00 am - 9:00 pm
  • Friday 9:00 am - 9:00 pm
  • Saturday 9:00 am - 9:00 pm
  • Sunday Closed